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I'm glad you were able to get out and you're happy. You got out because you are a liability to them rather than an asset if you have no money. Unfortunately, you may have fared better going to court. I had 14 years left and was able to relieve myself of this albatross for about one fifth of what they took you for. I know of several others. But, for anyone who does not have a financial hardship like us, Mr. Sadler is probably the best bet.